Commercial Underwriter Officer II

3 days ago

Dallas, Texas, United States Veritex Community Bank Full time
Job Summary

The Commercial Underwriting Officer is responsible for providing credit decision makers with in-depth, independent risk analysis necessary for making informed credit decisions in the Commercial, Industrial, and Commercial Real Estate space. This role is not retail mortgage related.

Key Responsibilities
  • Underwrite the creditworthiness of prospective and existing borrowers, particularly in the larger dollar and more complex C&I and Commercial Real Estate credits to assist lenders and credit decision-makers in determining loan eligibility.
  • Financial statement analysis including UCA cash flow.
  • Guarantor analysis.
  • Borrowers' repayment ability.
  • The Bank's collateral position.
  • Industry analysis.
  • Prepare in-depth credit packages.
  • Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
  • Suggest an asset quality rating based on relationship review. Compile an accurate relationship profitability analysis as directed by corporate policy.
Requirements
  • Bachelor's degree or Bachelor of Science in related discipline, or equivalent work experience.
  • 5 – 7 years' experience in credit underwriting or related experience with a focus on Commercial & Industrial and Commercial Real Estate deals in the $5 million to $30 million plus range.
  • Experience with syndicated transactions is preferred.
  • Some experience related to the underwriting of loans using the SBA 7A, Express and 504 loan programs, as well as the USDA B&I program preferred.
  • Completion of a formal credit training program is preferred.
Preferred Qualifications
  • Thorough knowledge of non-borrowing products.
  • Strong underwriting skills handling moderate to complex credits.
  • Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
  • Excellent verbal, written and interpersonal communications a must.
  • Must be self-motivated and a self-starter with strong initiative, accountability and attention to detail.
  • Must be proficient with Microsoft applications including word and excel.
  • Must be familiar with spreading financials in a spreading software.
About Veritex Community Bank

Veritex Community Bank is a Texas-based bank that values truth, transparency, and integrity. We're committed to providing exceptional service to our clients and communities. Our team is passionate about making a difference and we're looking for like-minded individuals to join us.

We're a bank that's built on five core values:

  • Be Mindful
  • Be Healthy
  • Be Better
  • Be Prosperous
  • Be Faithful

We believe in treating everyone with respect and dignity, and we're committed to creating a workplace that's inclusive and supportive. If you're looking for a challenging and rewarding career, we encourage you to apply.

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